Remains attractive due to 59% EBITDA margins and 38% projected revenue growth; preferred over Block and Affirm.

Part of a disruptive cohort of BNPL firms gaining market share over traditional banking institutions.

Firing on all cylinders and replacing traditional credit models, though the analyst is cautious about the entry price following a 35% surge.

Mentioned as a direct competitor to Klarna with an 'outstanding EBITDA margin', but considered less attractive than Klarna from a valuation perspective (enterprise value to growth metric).

Identified as the 'clear winner' and top pick due to being the fastest-growing company analyzed, scoring 111 on the Rule of 40, and having a cheap valuation while trading at a significant discount from its previous high.

Viewed as 'very cheap' after a significant price drop. It is a high-growth BNPL company with a strong Rule of 40 score (111) and is considered undervalued based on a custom valuation metric of 0.15.

Despite a 30-40% stock drop, it is described as the strongest and cheapest investment in the BNPL sector, being the fastest-growing company with better margins and excellent metrics (Rule of 40 at 107).